When your home or business has suffered water damage, you have two options: You can rant and criticize your insurance company and eventually get compensation for the damage…
…Or you can get your insurance company to fix your home faster if you have these expert tips and techniques up your sleeve!
Keep calm.
Let’s face it: Many of us would rather get a root canal done than call an insurance company for water damage. However, don’t let your frustration or anger rise to the surface, as this is the fastest way to undermine your own efforts to obtain compensation. Remember, that insurance agent is also a person, and they will be much more likely to help you if they are calm, collected, and collected.
Know your deductible.
Don’t rely on your insurance provider to contact you with all the details of your policy, including your deductible. Your deductible will be determined based on the premiums you have paid for your homeowners insurance; therefore, if your premiums are higher, your deductible will be significantly lower. Find your insurance policy and familiarize yourself with your deductible before you make that phone call.
Take a lot of pictures.
Before you can collect compensation from your insurance company, you will need to provide proof of water damage to your business or home. Please use a digital camera that will time and date the photos as this will help your claim be processed faster.
Record who you talk to.
As you proceed with your claim, you will most likely speak with numerous agents. Save yourself a huge headache and make sure you get the name and extension number of the agent you spoke with. Take notes of your conversation and, if possible, record it. While most insurance companies record these conversations, it’s best to arm yourself in case your insurance company reneges on a verbal agreement.